I think the issue is that people shouldn't have to either file a dispute or request a refund. If a service can't be provided then the company concerned should be refunding without having to be chased. It sounds like a fair few people are having issues and that this isn't just a "blip".
I wonder how much income has been generated in unfulfilled requests? It's a small amount per authentication so I bet an awful lot of people just write it off rather than chasing for a refund. A few years ago now I even got a "we don't know" response to an authentication and no refund was offered.
I agree. My post was not meant to defend authenticate4u. Filing a dispute seems like might be an even bigger headache for the other user. My post was just to let her know that Lesley (or whoever is on the other end) will refund your money if you ask. At least they did it for me once or twice in the semi recent past.